Prime Visa card overview
Amazon’s Prime Visa (see rates and fees) is a stable earner, with bonus rewards on Amazon purchases, Chase Journey℠, fuel, eating and commuting. That makes it a robust contender for individuals who spend massive with Amazon and its manufacturers. Card score*: ⭐⭐⭐½
*Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
More often than not, we advocate saying “no thanks” when a cashier (or on-line pop-up) asks if you wish to apply for a retailer bank card at checkout. The low cost you may get in your buy is never as beneficial because the welcome bonuses different playing cards provide, and most retailer playing cards have disappointing incomes buildings.
However there are just a few exceptions to that rule, and the Prime Visa is one in all them.
The Prime Visa is price contemplating in the event you spend a number of your funds at Amazon or Entire Meals and wish the most effective incomes price for these purchases. It earns 5% again on Amazon and Entire Meals purchases, a considerable return for a card with no annual price.
We advocate candidates have a credit score of 670 or above to extend their probabilities of approval. Remember the fact that you may want an eligible Prime membership to get this card.
Simply because it affords respectable reward charges does not imply that is the most effective card for everybody. Here is what it’s essential to know to resolve if the Prime Visa deserves a spot in your pockets.
Prime Visa professionals and cons
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Prime Visa welcome provide
At present, the Prime Visa affords a $150 Amazon reward card immediately upon approval, solely for Prime members. That is the usual provide for this card, so we advocate ready for the next provide earlier than making use of.
When you think about that it is a no-annual-fee card, that is an excellent welcome bonus — particularly since you may obtain the e-gift card immediately upon approval as a substitute of getting to fulfill a spending requirement to earn it.
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You do want a Prime membership to get the Prime Visa. Since it is a Chase card, you may wish to be below 5/24 to extend your probabilities of approval.
Associated: The best credit cards for Amazon purchases
Prime Visa advantages
We normally do not count on many advantages from a card with out an annual price, however the Prime Visa has some stunning perks.
As a cardholder, you may get pleasure from the next protections:
Moreover, the Prime Visa would not cost international transaction charges.
It looks like we hear a brand new horror story of somebody’s misplaced baggage daily, so having baggage safety on prime of incomes bonus rewards in your Apple AirTags buy by means of Amazon is a good profit.
With this card, you may additionally get pleasure from 10% again on a rotating number of objects and classes. Lastly, cardholders normally get entry to early offers throughout Prime Day and might earn boosted rewards throughout these gross sales occasions.
Associated: What to do when an airline loses your luggage
Incomes money again on the Prime Visa
The Prime Visa earns 5% again on the next classes:
It additionally earns 2% again in these classes:
- Gasoline stations
- Eating places
- Native transit and commuting (together with ride-hailing providers)
You may earn 1% again on all different purchases.
No different card persistently affords this excessive of a return on Amazon purchases, so this incomes construction is great for anybody who spends a big portion of their funds at Amazon and Entire Meals. If you wish to persist with only one card, the extra 2% again classes are respectable for on a regular basis spending.
Nevertheless, you will get larger incomes charges on gas stations, restaurants, commuting and general purchases with different playing cards, so the Prime Visa works greatest as only one half of a bigger card technique.
Associated: The best rewards credit cards for each bonus category
Redeeming money again on the Prime Visa
One of many Prime Visa’s greatest qualities is the benefit of redeeming rewards. You may see your rewards in your Amazon checkout display and might use them to pay for half or all your purchases at Amazon.com.
Alternatively, you’ll be able to redeem your rewards for cash back, reward playing cards or journey by means of Chase Journey. Irrespective of which redemption choice you select, you may get a value of 1 cent per level.
Different playing cards permit you to use your rewards to pay on your Amazon purchases, however we solely advocate this route in case you have the Prime Visa.
As an example, Chase Final Rewards factors are price 2.05 cents apiece in keeping with TPG’s Might 2025 valuations, however you may get lower than 1 cent per level in the event you use these factors to pay for a purchase order on Amazon.com.
Then again, your Prime Visa rewards are price the identical one cent every, whether or not you utilize them to cowl an Amazon buy, get money again or e-book journey by means of Chase Journey.
Associated: How to get maximum value from your Chase Ultimate Rewards
Which playing cards compete with the Prime Visa?
If you do not have a Prime membership or do not spend a lot of your funds at Amazon or Entire Meals, one in all these playing cards could also be a better option for you:
For extra choices, see our checklist of best cash-back credit cards and best store credit cards.
Associated: Store vs. cash-back credit cards: Which one should I get?
Is the Prime Visa price it?
If you have already got a Prime membership and wish to earn cash-back rewards, the Prime Visa is an effective card to begin with or add to your present portfolio. Nevertheless, if you do not have a Prime membership or are targeted on incomes travel rewards, you may most likely get extra worth from a special card.
Backside line
With an unbeatable 5% return on Amazon and Entire Meals purchases and a easy redemption system, the Prime Visa is nice for individuals who choose the benefit of utilizing a no-annual-fee bank card that earns money again over incomes extra complicated journey rewards.
However in the event you plan to make use of factors and miles on your subsequent massive journey, you may wish to use a card that earns journey rewards in your Amazon purchases as a substitute. Irrespective of which route you select, you’ll be able to’t go unsuitable with a card that earns rewards each time you click on “Purchase now” on Amazon.
Apply right here: Prime Visa
For charges and charges of the Blue Money On a regular basis Card from American Specific, click on here.
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